Answers

Best Answer: just hormones, primarily estrogen, it's the cause for softer skin, extra fat deposits, and some female features, FYI : when guys have sex changes they get estrogen injections to feminize themselves!!

Testosterone hormone grows hair in male and female In female This hormone is present but negligible. Since no hair can grow all over a female body their skin and thighs are smooth like a tender banana stem

The androgens (including testosterone) in men makes the skin thicker & tougher.

Estrogen helps the body to place more fat deposits under the skin, thins the skin and blood vessels (hence women bruise easier).

As for our bodies having more or less areas which are ready to build up fat deposits, they ae the same in both men and women. This is one of the reasons why gender reasignment can work so well.

Trans men soon become the hairy beast of a man with thicker & tougher skin once they start taking testosterone, and trans women notice their hair and skin gets softer the longer that they are on estrogen.

Once the gonads are gone, the effects are improved further still.

As to where the deposits are: most people agree that they are well placed to protect the baby during pregnancy & to help men find us more attractive.

Women have this extra layer of fat under the skin which makes their skin softer than men's skin. In addition, women also have more body fat than men because they are the ones who carry the baby through pregnancy and fat is nature's way of reserving energy because a woman's body needs to nurture both the baby and the carrier.